1. Start with a realistic total budget, not just tuition
2. Lower risk with better university matching
3. Pay attention to smaller scholarships that add up
4. Cut document and application costs without cutting corners
5. Lower your living costs without harming your experience
6. Work smarter while you study
7. Protect yourself from currency risk and surprise fees
8. Create a personal admissions timeline
9. Use expert support where it actually saves you money
10. Pulling it all together